May 26, 2011
Have you been wondering recently why your veterinary care feels like it costs so much more than it used to? You are not alone.
I was digging into the inflation numbers over at the Bureau of Labor Statistics and I was fascinated by the difference between veterinary inflation (yes, they do track such a thing!) and the consumer price inflation.
For example (see graph below), if I look at January 2007 to March 2011 (just about as long as we've been selling pet insurance policies), while my wages went up 10% over that time (yay!), my vet bills went up 25% in the same period (ouch!). Vet bills are definitely taking up more of a bite out of my free cash than they used to.
May 18, 2011
We recently had a question on the Embrace Facebook page about a bald spot on a dog:
Q: It turns out that a tiny bald spot on my daughter's dog is likely a result of the rabies vaccine. She may or may not grow her hair back. The vet doesn't think she should get rabies vaccines again. Anybody know how to regrow hair or anybody have a dog regrow hair after this happened to them?
Since I'm not a veterinarian, I turned to Dr Rex Riggs, one of our veterinary advisors, for help with this question.
May 16, 2011
What does 3 years of allergy treatment cost? $2,500 and climbing. Ouch.
As an example of the cost of general allergies in a dog, I found Jack, a mixed breed dog born in 2005 who has suffered from allergies since 2008. He lives in Dallas TX, so while not an inexpensive city to live in for veterinary care, certainly not the most expensive.
Here are his charges related to allergies over the last 3 years (he tore his cruciate ligament early on as well - he's had a lot of health issues going on.)
|Date of Visit ||Claim Status ||Diagnosis ||Covered Amount ||Paid |
|4/8/2008 ||Paid ||colitis ||131.00 ||117.90 |
|4/16/2008 ||Paid ||allergies ||99.00 ||89.10 |
|5/7/2008 ||Paid ||allergies, diarrhea, ear infection ||164.50 ||148.05 |
|6/13/2008 ||Paid ||allergies ||77.00 ||69.30 |
|7/1/2008 ||Paid ||allergic dermatitis ||252.00 ||226.80 |
|8/20/2008 ||Paid ||allergy flare up ||99.00 ||89.10 |
|9/23/2008 ||Deduct ||allergy flare up ||44.00 ||0.00 |
|11/1/2008 ||Paid ||allergies ||74.95 ||17.05 |
|4/10/2009 ||Paid ||Allergy Testing ||265.00 ||238.50 |
|4/24/2009 ||Paid ||Allercept Allergy Initial Treatment ||200.50 ||180.45 |
|5/28/2009 ||Paid ||Allergic Otitis ||45.00 ||40.50 |
|6/30/2009 ||Paid ||Medications, Allergy ||156.00 ||140.40 |
|12/29/2009 ||Paid ||Medications, Allergy ||156.00 ||50.40 |
|6/28/2010 ||Paid ||Medications, Allergy ||168.30 ||151.47 |
|1/14/2011 ||Paid ||Allergy Refill Treatment Set ||165.50 ||58.95 |
|1/20/2011 ||Paid ||Skin Lesion, Pain Instability ||117.00 ||105.30 |
|3/22/2011 ||Paid ||Allergy Flare Up ||194.23 ||174.81 |
|4/15/2011 ||Paid ||Superficial External Otitis ||83.20 ||74.88 |
|Total || || ||2,492.18 ||1,972.96 |
Jack's pet insurance policy costs $64.31 a month for a $100 annual deductible, 10% copay percentage, $10,000 annual maximum with prescription drug coverage.
May 10, 2011
Amazingly, yes! Maybe it's just me, but I thought that only people succumbed to such things but dogs and cats can be allergic to insect stings just like humans can.
We recently had an example of Chloe, a 6 month old Bulldog, who was in the garden where there were yellow jackets flying around and it appears she was stung and her face became severely swollen. Poor baby!
Charles, her pet parent, took her to the emergency room and they treated her with epinephrine (opens airway and improves blood pressure) and diphenhydramine (slower acting antihistamine).
|DATE ||ITEM ||BILLED AMOUNT ||COVERED CHARGES |
|10/29/2010 ||Emergency Exam ||$105.00 ||$105.00 |
|10/29/2010 ||Epinephrine 1:1000 30ml/ml ||$42.75 ||$42.75 |
|10/29/2010 ||Diphenhydramine Injection ||$42.75 ||$42.75 |
|10/29/2010 ||Hospitalization ||$42.00 ||$42.00 |
|Total || ||$232.50 ||$232.50 |
Here's how her $200 annual deductible and 20% copay worked for Chloe's pet insurance policy:
May 05, 2011
Today, we have a guest post from Dr. Rex Riggs on the topic of allergies. Ironically, Dr. Riggs is allergic to cats! But he does talk about how allergies happen and what can be done about them. Dr. Rex Riggs is the owner of Best Friends Veterinary Hospital in Powell, Ohio. He is a veterinarian, and an Advisory Board member of Embrace Pet Insurance.
Allergies. I hate allergies. I have tree pollen allergies in the spring. I have grass allergies in the summer and house dust mite allergies all winter long. To cap it all off, I have cat allergies all year long! Oh well, it is what it is.
And What Exactly Are Allergies?
Allergies are bad for everyone including our pets.